Now that you know where you stand, you have a target to shoot at. And you can make a plan. I agree with Shay – see if you can get an amount auto-drafted to cover bills. Then at least you’ll have a known amount to work with.
Well last night I finally sat down and completed the budget. What a sad sad site. I know we were short on funds I just didn’t know how short. I actually sat with each of the older (adult) kids and showed things to them, currently 2 of the 3 have moved back home unemployed etc. Now its time for everyone to get to moving. I did the budget only on my income as my husbands is not stable and with his gambling addiction I can not expect anything.
On another note, DH landed a job which will double our income and get us out of debt within 2 years. However I can NOT get him to focus and onboard. Not sure how to move forward with this. My thought is to use my income for budgeted items and use whatever income I can get from him to go to the debt snowball and savings?? Thoughts?